Flood risk is widespread in the U.S. Few people have insurance for it

A damaged home is seen after flash flooding in Hunt, Texas, on July 4. Just 4% of homeowners nationwide have flood insurance, according to the Federal Emergency Management Agency.

Climate change is increasing the risk of dangerous floods. But people often balk at the cost of flood insurance, especially since many doubt they need protection.

(Image credit: RONALDO SCHEMIDT/AFP via Getty Images)